When you’re contemplating your subsequent card software, two choices from Chase could entice you.
The Ink Enterprise Most well-liked® Credit score Card (see charges and charges) and Chase Sapphire Reserve® (see charges and charges) are each standard rewards playing cards that include their very own suite of perks and key variations — like the truth that the Ink Enterprise Most well-liked is a enterprise card and the Sapphire Reserve is a premium journey card.
Whereas the Sapphire Reserve includes a flashy title and high-end perks, the sensible perks of the Ink Enterprise Most well-liked might make extra sense for a lot of wallets.
Listed below are six causes chances are you’ll need to accumulate invaluable Chase Final Rewards factors with the Ink Enterprise Most well-liked over the Sapphire Reserve.
You are not eligible for the Sapphire Reserve’s welcome bonus
The most effective methods to earn a haul of factors is by gathering a welcome bonus. With Chase’s modifications to Sapphire bonus eligibility in 2025, incomes a welcome provide with the Sapphire Reserve has turn into tougher.
That is as a result of in case you’ve already earned a welcome bonus on the Sapphire Reserve, or in case you presently maintain the Chase Sapphire Most well-liked® Card (see charges and charges), you’ll most probably not be eligible to obtain the Sapphire Reserve’s bonus.
That might sting as a brand new Sapphire Reserve applicant, since new cardholders can earn 100,000 bonus factors plus a $500 Chase Journey℠ promo credit score* after spending $5,000 within the first three months from account opening. That is price as much as $2,550, per TPG’s August 2025 valuations.
*Be aware that the phrases for the journey credit score state: The promotional credit score is legitimate for a one-time use solely, in case you apply the promotional credit score to a transaction lower than $500, you’ll forfeit the remaining steadiness.
In the meantime, new Ink Enterprise Most well-liked cardholders can earn 90,000 bonus factors after spending $8,000 within the first three months after account opening. TPG’s valuations deem this bonus price $1,845.
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Whereas the Ink Enterprise Most well-liked bonus has a better spending requirement, it has fewer restrictions than the Sapphire Reserve. Plus, the Ink Enterprise Most well-liked supplies a stellar provide for a $95 annual charge, particularly when in comparison with the Sapphire Reserve’s $795 annual charge.
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You worth simplicity and do not need to pay a excessive annual charge
Talking of annual charges, chances are you’ll favor the Ink Enterprise Most well-liked just because its $95 annual charge is considerably lower than the $795 charge that comes with the Sapphire Reserve.
The Ink Enterprise Most well-liked is a stable enterprise card that earns Chase Final Rewards factors. It is a greater possibility for easy spenders who aren’t desirous about conserving monitor of a number of assertion credit, because the Sapphire Reserve supplies a lengthy listing of such advantages meant to offset its excessive charge.
If a sky-high annual charge is not your choice, you are higher off with the Ink Enterprise Most well-liked.
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You ceaselessly spend on basic journey and choose enterprise classes
The Ink Enterprise Most well-liked‘s bonus classes are stable for a $95-annual-fee card. This can be a nice possibility if you wish to rack up invaluable Chase factors.
With the Ink Enterprise Most well-liked, you may earn 3 factors per greenback on the primary $150,000 spent on mixed purchases within the following classes every account anniversary 12 months:
- Promoting purchases made with social media websites and search engines like google
- Web, cable and cellphone providers
- Transport
- Journey
The Sapphire Reserve additionally supplies travel-related bonus classes. With this card, you may earn:
- 8 factors per greenback spent on purchases made by Chase Journey
- 4 factors per greenback spent on flights and resorts booked straight
The important thing facet the place the Ink Enterprise Most well-liked pulls forward is the inclusion of a basic journey class.
Positive, the Sapphire Reserve earns 8 factors per greenback spent on journey booked inside its portal and 4 factors per greenback spent on resorts and flights booked straight, however another basic journey buy will herald simply 1 level per greenback.
The Ink Enterprise Most well-liked, in the meantime, earns 3 factors per greenback spent on journey purchases equivalent to buses, campgrounds, automotive rental businesses, cruise traces, ferries, parking heaps and garages, taxis, and extra.
So, if you end up ceaselessly reserving journey past resorts and flights and outdoors of Chase Journey, you may get a greater return in your spending with the Ink Enterprise Most well-liked.
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You do not redeem factors by Chase Journey usually
The factors you may earn from the Ink Enterprise Most well-liked and Sapphire Reserve are transferable to the identical 14 loyalty program companions and might be maximized in that means.
The Ink Enterprise Most well-liked and Sapphire Reserve each have entry to Chase’s Factors Increase function, which permits cardholders to redeem their factors by Chase Journey for as much as 1.75 or 2 factors per greenback in worth, respectively, for choose flight and resort bookings made by the portal.
When you go for the Ink Enterprise Most well-liked, chances are you’ll be leaving some worth on the desk. That is as a result of the utmost worth of your factors by Factors Increase is increased with the Sapphire Reserve.
However, in case you’d moderately leverage switch companions on your redemptions (which is a good way to fulfill and even exceed TPG’s full August 2025 valuation of Chase factors at 2.05 cents apiece), then you definitely’re on even footing with the Ink Enterprise Most well-liked and Sapphire Reserve.
For example, you may switch 40,500 Final Rewards factors to Iberia Membership to e-book a one-way business-class flight to or from Madrid on Iberia. Because the money value for this flight is $3,258, you are getting an unimaginable 8 cents per level in worth.
And, with the Ink Enterprise Most well-liked, you may pay $700 much less in annual charges to have the very same switch choices together with your factors.
Associated: Why transferable factors and miles are price greater than different rewards
You need cellphone safety
Whereas the Sapphire Reserve supplies a number of perks, it falls brief on a key profit the Ink Enterprise Most well-liked contains: cellphone safety.
Ink Enterprise Most well-liked cardholders (and staff in the event that they select) obtain as much as $1,000 in protection for theft or damages per declare, offered the quantity is listed on their month-to-month invoice and so they pay their invoice with their card. There is a restrict of three claims per 12-month interval, with a $100 deductible per declare.
If cellphone safety is a crucial profit for you, the Ink Enterprise Most well-liked is the apparent selection.
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You have already got a luxurious journey card
When you’ve got The Platinum Card® from American Categorical and discover that its luxurious perks — like lounge entry, elite standing and assertion credit (enrollment required; phrases apply) — are sufficient for you, chances are you’ll not want so as to add one other high-annual-fee card just like the Sapphire Reserve to your price range.
The Ink Enterprise Most well-liked permits you to earn Chase factors at a excessive return and comes with stable journey and buy protections at a extra modest annual charge.
In case your card setup is not lacking a premium card, chances are you’ll not want the Sapphire Reserve anyway.
Associated: Why the Amex Platinum nonetheless reigns supreme within the luxurious journey house
Backside line
Your distinctive scenario performs a key function in whether or not you would be higher off with the Ink Enterprise Most well-liked over the Chase Sapphire Reserve. As with all Chase card, simply make sure you are under 5/24 and meet different software necessities for approval.
Keep in mind, there are a lot of methods to qualify for a enterprise card, equivalent to facet hustles and freelancing gigs. So, do not depart the Ink Enterprise Most well-liked on the desk merely since you aren’t a conventional small-business proprietor. The cardboard is a stable possibility for many individuals.
To study extra, see our full evaluation of the Chase Ink Enterprise Most well-liked.
Apply right here: Ink Enterprise Most well-liked Credit score Card
